| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.25% |
| JOHNSON RESOURCES3 | 7373 EAST DOUBLETREE RANCH SUITE 200 SCOTTSDALE, AZ 85258 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $585 | $0 | $585 | 2.36% |
| CATHERINE DAVIS3 Filed as: CATHERINE B. DAVIS | 9160 EAST LOMA LINDA PLACE TUCSON, AZ 85749 | AFLAC | $811 | $211 | $1K | 4.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND VARIOUS AGENTS | PO BOX 632886 CINCINNATI, OH 45263 | AFLAC | $662 | $0 | $662 | 2.96% |
| LOVITT AND TOUCHE, INC.3 | PO BOX 32702 TUCSON, AZ 85751 | AFLAC | $480 | $0 | $480 | 2.14% |
| SETH G KNOWLTON3 Filed as: SETH G. KNOWLTON | PO BOX 68766 TUCSON, AZ 85737 | AFLAC | $358 | $43 | $401 | 1.79% |
| PATTY J NATIONS3 Filed as: PATTY J. NATIONS | 7850 NORTH SILVERBELL ROAD SUITE 114-310 TUCSON, AZ 85743 | AFLAC | $237 | $0 | $237 | 1.06% |
| KELLY MCGARRY3 | 4750 NORTH ORACLE ROAD, SUITE 214 TUCSON, AZ 85705 | AFLAC | $193 | $43 | $236 | 1.05% |
| SUSAN MULLIGAN3 Filed as: SUSAN B. MULLIGAN | 818 SOUTH MANN AVENUE TUCSON, AZ 85710 | AFLAC | $235 | $0 | $235 | 1.05% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 211 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 190 | $153K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 422 | $25K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 211 | $112K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 211 | $112K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 211 | $112K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.0M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 535 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.